Individualogist Review

Life is a puzzle. Oftentimes, you are faced with situations that you can’t comprehend or questions that you can’t answer. While other people thrive chasing their dreams, you can’t even see a clear direction on where you are going. If you feel lost right now, stuck on a crossroad, not knowing which path to take,…

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75 additional cases of COVID-19 infection; 29 unlinked cases and four new clusters identified

As of 4 April 2020, 12 pm, the Ministry of Health (MOH) has confirmed and verified an additional 75 cases of COVID-19 infection in Singapore, of which six are imported and 69 are local cases who have no recent travel history abroad. This makes a total of 1,189 cases of confirmed COVID-19 infection in Singapore. […]

The post 75 additional cases of COVID-19 infection; 29 unlinked cases and four new clusters identified appeared first on The Online Citizen.

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Lee Hsien Yang: Fight COVID-19 first, Singapore polls must wait

by Lee Hsien Yang Singapore has triggered a “circuit breaker”, a partial lockdown, now that cases of local COVID-19 transmissions have overtaken imported cases. Addressing the country on 3 April, Prime Minister Lee Hsien Loong said the move to close schools, shops and offices for non-essential services was aimed at pre-empting more infections. After weeks […]

The post Lee Hsien Yang: Fight COVID-19 first, Singapore polls must wait appeared first on The Online Citizen.

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Market Crash 2020: This Little-Known TSX Stock Is a Bargain!

data analytics, chart and graph icons with female hands typing on laptop in background

The recent market crash has been cruel to small-capitalized stocks on the TSX. Regardless of their business operations, balance sheets, or corporate strategy, investors piled out of small-cap stocks. Perhaps rightfully so. Small companies often face greater risks, such as lower business scale, less institutional ownership, and less market liquidity to trade.

Yet, not every company was deserving of the punishment experienced in March. In fact, the TSX crash has presented some very attractive buying opportunities. One stock that stands out here is Hardwoods Distribution (TSX:HDI).

Over the past five years, Hardwoods has steadily expanded to become the top distributor of architectural building products in North America. While you may never have heard of Hardwoods, it is possible that its wood-style products are fitted in your home or workspace.

Growth through consolidation

Hardwoods has thrived from a growth-by-acquisition strategy. It has added 47 locations over the past seven years, including six locations in 2019. It has a five-year compounded annual growth rate of 21% for sales and 11% for adjusted earnings. Its sales mix is diversified with 50% exposure to residential, 40% commercial, and 10% mixed. Most of its expansion has been in the U.S., so around 90% of sales are derived there.

Many of those who sell architectural building products are small, independent retailers. This has given Hardwoods a great consolidation opportunity in the sector. It can add location quickly and find operational/distributional synergies through its larger network of locations.

Solid fundamentals

Hardwoods relies on North American housing starts and the overall lumber industry. It can face challenges when these industries are depressed. Despite some negative 2019 headwinds (low lumber pricing and delayed construction starts), Hardwoods increased sales by 3.3% to $1.2 billion and improved margins by 40 basis points to 18%. Overall, the company is better diversified and capitalized than it has ever been.

As of Q4, it had a net bank debt to capitalization of 27% and a bank-debt-to-adjusted-EBITDA ratio of two times. Of course, during the COVID-19 crisis, any amount of debt can be concerning, especially if the company is not operating.

Yet, management announced yesterday that its business meets the criteria of an “essential service,” allowing it to operate throughout the United States. Management indicated that March demand remained solid, and many of its customers and suppliers continue to operate. It fortunately has $69 million worth of credit facilities should the extra liquidity be necessary.

This stock is on sale

Since January, the company’s value has effectively been cut in half. Hardwoods is presently trading with a market capitalization of $202 million and price-to-earnings ratio of seven times.

Right now, Hardwoods is basically trading for the same value of its inventories on its balance sheet. At this price, you are, after all liabilities are settled, getting the company’s operating platform for free. It is presently paying a 3.7% yield, and management made no indication of cutting it.

Of course, 2020 will be a challenging year for Hardwoods. It, like many companies, will see its 2020 results impacted by an industry-wide COVID-19 slowdown. Yet, when considering the strength of Hardwood’s operating platform, I am confident it will persist.

2021 should present some positive tailwinds. Historic low interest rates will encourage U.S. consumers to start buying and building houses again. A strong U.S. consumer will likely help keep the U.S. dollar strong, which will benefit Hardwoods. Lastly, Hardwoods may garner expansion opportunities as smaller, financially/operationally stressed competitors require consolidation.

The bottom line

Investing in a cyclical name like Hardwoods Distribution is not for the faint of heart. However, at its current fire-sale valuation, you’ll pick up a quality operating business with long-term tailwinds. Be sure to monitor its investor communication and take your time building a position. I think you will be amply rewarded over a long horizon if you choose to buy Hardwoods.

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Fool contributor Robin Brown owns shares of HARDWOODS DISTRIBUTION INC. The Motley Fool recommends HARDWOODS DISTRIBUTION INC.

The post Market Crash 2020: This Little-Known TSX Stock Is a Bargain! appeared first on The Motley Fool Canada.

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Amazon: Apple AirPods Pro for $234.98, Apple AirPods w/ Charging Case for $129.98, Apple AirPods w/ Wireless Charging Case for $169, Etc

Amazon Apple Airpods Latest Model Promotion
Find the latest Apple Airpods Promotions, Discount Codes, Offers, Coupons, and Deals right here!

Have you been wanting to get your hands on the latest Apple Airpods, but they are just too expensive? Well, right now customers can score the Apple Airpods (Latest Model) at a discounted price!

The Apple Airpods boasts many cool features, including the ability to walk freely without dangling wires, answer phone calls, quickly access Siri, and many more! Get this limited time offer that everyone is taking advantage of.

Editor’s Note: If you’re not a current member of Amazon Prime, you can sign up today for a FREE 30-day trial and redeem this offer today! Being an Amazon Prime Member comes with many benefits. You have access to FREE 2-day shipping, instant access to video streaming, unlimited music streaming to over a million songs, exclusive deals, and much more! Sign up today!

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Stacking the Deal



Current Apple Airpods Promotions


Apple AirPods w/ Wireless Charging Case for $169.00

Get Apple AirPods w/ Wireless Charging Case for $169.00

Amazon is currently offering the Apple Airpods with Wireless Charging Case at a discounted price!  You can get them for only $169.00, which is $30 off the original price. Nonetheless, you should definitely get your hands on these before they run out of stock.

Features:

  • Automatically on, automatically connected
  • Easy setup for all your Apple devices
  • Quick access to Siri by saying “Hey Siri”
  • Double-tap to play or skip forward
  • New Apple H1 headphone chip delivers faster wireless connection to your devices
  • Charges quickly in the case
  • Case can be charged either wirelessly using a Qi-compatible charging mat or using the Lightning connector

(Click here to view this deal on Amazon)


Apple AirPods Pro for $234.98 

Get Apple AirPods Pro for $234.98

Amazon is currently offering the latest Apple Airpods Pro for $234.98 with free shipping. This is over $14 off the original price of $249.00!

These noise-cancelling earbuds are a step-up from the original AirPods and are still perfect for on-the-go activities and allow free movement with absolutely no worries, so get yours today before it goes back up in price.

Features:

  • Active noise cancellation for immersive sound
  • Transparency mode for hearing and connecting with the world around you
  • Three sizes of soft, tapered silicone tips for a customizable fit
  • Sweat and water resistant
  • Adaptive EQ automatically tunes music to the shape of your ear
  • Easy setup for all your Apple devices
  • Quick access to Siri by saying “Hey Siri”
  • The Wireless Charging Case delivers more than 24 hours of battery life

(Click here to view this deal on Amazon)


Apple AirPods w/ Charging Case for $129.98

Get Apple AirPods w/ Charging Case for $129.98

Get Apple AirPods w/ Charging Case for $129.98

Amazon is currently offering the latest Apple Airpods for $129.98 with free shipping. This is $29 off the original price of $159.00!

These earbuds are perfect for on-the-go and allow free movement without any worries, so get yours today before it goes back up in price.

Features:

  • Automatically on, automatically connected
  • Easy setup for all your Apple devices
  • Quick access to Siri by saying “Hey Siri”
  • Double-tap to play, skip forward, or answer a phone call
  • New Apple H1 headphone chip delivers faster wireless connection to your devices
  • Charges quickly in the case
  • Case can be charged using Qi-certified chargers or the Lightning connector

(Click here to view this deal on Amazon)



Bottom Line

Don’t miss out on this hot deal! Get the Apple Airpods (Latest Model) at a discounted price while you can! They are so convenient and worth the money!

If you love finding deals like this, be sure to check out more on HMB! You can also find our compiled list of the best Hot Deals!

To maximize your savings, use a credit card that offers points/cash back or use cashback shopping portals.

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The post Amazon: Apple AirPods Pro for $234.98, Apple AirPods w/ Charging Case for $129.98, Apple AirPods w/ Wireless Charging Case for $169, Etc appeared first on Hustler Money Blog.

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